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"OK, this is not very accurate or detailed. But I remember there was a break in 1893, a bad one, and several before that caused mostly by railroad speculation and, wait a minute. Ann, what's speculation?" He wrote that word on the board."Uh, to speculate means to guess, to think about something. That word was on the SAT test." You think right, that's good. Speculation is guessing. What's economic speculation?" Guessing that the price of something or the value of something will go up," she paused and blinked, "or, I guess, go down." Very good. Suppose you think General Motors makes good cars and that their business is sure to grow, that they'll make and sell more cars and make more profits, lots of Chevrolets and Pontiacs. Do you buy a bunch of cars and hope the price of cars will go up? Ralph, how about that?" No, you buy stock in the company, GM stock." Right, you speculate, OK?"The student nodded.A boy raised his hand. "There's nothing wrong with that, is there?" Nope, absolutely. My husband of 18 years, is an attorney for the government. I have two wonderful c***dren, a boy age 14 and a girl age 10. Last weekend I had the experience of my life. I have always been faithful to my husband. But this Saturday, was the first time I was tempted and eventually cheated on my husband. Early Saturday morning, I left the house for a large shopping center in Virginia. I had a long list of items I wanted at the Mall. My husband was home with the c***dren and I was off on the shopping trip. It was a rather warm Saturday in November. I wore a black skirt, panty hose, white blouse and a light jacket. I arrived at the Mall about 10:00 AM. I shopped for about 30 minutes, when I noticed a younger man following me. I didn’t think much of it at the time but when I saw him next to me in a beauty supply store, I became suspicious. He was about 6’2” tall, nice body and cute. I would say he was about 28. When I looked at him in the beauty shop, he smiled and said “hi”. I said “hi”.
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